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Managing Your Personal Finances, 7th Edition

Joan S. Ryan, Christie Ryan

  • Copyright 2016
  • {{checkPublicationMessage('Published', '2015-01-06T00:00:00+0000')}}
Starting At £45.99 See pricing and ISBN options
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Students: Buy now
Managing Your Personal Finances 7th Edition by Joan S. Ryan/Christie Ryan
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Overview

While focusing on the student's role as citizen, student, family member, consumer, and active participant in the business world, MANAGING YOUR PERSONAL FINANCES 7E informs students of their various financial responsibilities. This comprehensive text provides opportunities for self-awareness, expression, and satisfaction in a highly technical and competitive society. Students discover new ways to maximize their earning potential, develop strategies for managing their resources, explore skills for the wise use of credit, and gain insight into the different ways of investing money. Written specifically for high school students, special sections in each chapter hold student interest by focusing on current trends and issues consumers face in the marketplace.

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Meet the Authors

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Joan S. Ryan

Joan Ryan, M.B.A., Ph.D., C.M.A., has taught personal finance for over 20 years. She began at Willamette High School in Eugene, Oregon, where this textbook was initially developed and tested. After four years there, she taught in the business department at Lane Community College (also in Eugene) for 12 years. After eight years at Clackamas Community College, she was department chair for the next six years. Then she resumed teaching accounting, personal finance, and business law, retiring from full-time teaching in 2014. She also is a C.M.A. (certified management accountant), a state-certified mediator, and adjunct faculty at Clackamas Community College and Portland State University in the graduate Masters in International Management program.

Christie Ryan

Christie Ryan, B.A., M.A., LMHC. As a licensed mental health counselor, she works with troubled and disadvantaged youth and their families, teaching budgeting and money management skills. She has also taught student success skills and psychology courses at Highline Community College and Tacoma Community College. She holds an Educational Staff Associate certificate in school counseling and has also worked as a case manager for Southwest Washington Aging and Disability Services.

What's New

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  • Increased emphasis on technology and thriving in the digital age.
  • Net Links provide online activities that encourage students to use the Internet for research.
  • New Guided Decision Making journal activity at the end of each chapter allows students to practice making decisions in real-world situations.
  • New Stock Market Simulation lets students practice basic investing tasks such as reading a stock market table, making investment choices, and computing gains and losses.
  • An Essential Question has been added to each lesson opener. This question frames the main idea that students will explore in the lesson. An answer will appear on the lesson Assessment page.
  • A Checkpoint question has been added at the end of each section to help students assess their learning progress. Answers to the Checkpoints appear in the AIE margin.

Features

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  • Enhanced Website: Free product website is improved with additional Internet-related activities in the text, including a new Guided Decision Making journal activity at the end of each chapter.
  • Updated Content: Information about social media, health care, online banking, and identity theft is updated and current.
  • A profile of a real person at the end of each unit describes how he or she has applied the skills presented in this text to his or her own life.
  • National Standards: Aligned with the Jump$tart Coalition for Personal Financial Literacy's National Standards as well as National Business Education Association standards for Personal Finance.
  • Real-World Connections: An abundance of real-life examples makes the information more relevant and interesting for students.

Table of Contents

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UNIT I: MANAGING MONEY.
1. Careers in the Digital Age.
2. Pay, Benefits, and Work.
3. Income Tax.
4. Budgets and Records.
5. Checking and Banking.
6. Saving for the Future.
UNIT II: MANAGING CREDIT.
7. Credit in America.
8. Credit Records and Laws.
9. Costs of Credit.
10. Problems with Credit.
UNIT III: MANAGING RESOURCES.
11. Personal Decision Making.
12. Renting a Residence.
13. Buying a Home.
14. Buying and Owning a Vehicle.
15. Family Decisions.
UNIT IV: PROVIDING FINANCIAL SECURITY.
16. Investing for the Future.
17. Investing In Stocks.
Stock Market Simulation.
18. Bond Markets.
19. Mutual Funds, Real Estate, and Other Choices.
20. Retirement and Estate Planning.
UNIT V: RISK MANAGEMENT.
21. Introduction to Risk Management.
22. Property and Liability Insurance.
23. Health and Life Insurance.
UNIT VI: CONSUMER RIGHTS AND RESPONSIBILITIES.
24. Role of Consumers in a Market Economy.
25. Consumer Protection.
26. Dispute Resolution.
Glossary.
Index.

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Textbook Only Options

Traditional eBook and Print Options

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  • ISBN-10: 1305081358
  • ISBN-13: 9781305081352
  • RETAIL £45.99

  • ISBN-10: 1305076818
  • ISBN-13: 9781305076815
  • RETAIL £90.99
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Supplements

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Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.

FOR STUDENTS

Student Activity Guide: Managing Your Personal Finances, 7th

ISBN: 9781305081352
Contains study guide problems and activity worksheets for each chapter. Problems include vocabulary, fill in the blank, true/false, multiple choice, and open-ended problem-solving questions. Worksheets are provided for real-world practice with financial forms and documents such as a resume, will, and loan application.